AU2004229968B2 - Money transfer convenience card, systems and methods - Google Patents

Money transfer convenience card, systems and methods Download PDF

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Publication number
AU2004229968B2
AU2004229968B2 AU2004229968A AU2004229968A AU2004229968B2 AU 2004229968 B2 AU2004229968 B2 AU 2004229968B2 AU 2004229968 A AU2004229968 A AU 2004229968A AU 2004229968 A AU2004229968 A AU 2004229968A AU 2004229968 B2 AU2004229968 B2 AU 2004229968B2
Authority
AU
Australia
Prior art keywords
customer
transaction
money transfer
account
provider
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
AU2004229968A
Other languages
English (en)
Other versions
AU2004229968A1 (en
Inventor
Michael J. Hafer
Michael J. Michelsen
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Western Union Co
Original Assignee
Western Union Co
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Western Union Co filed Critical Western Union Co
Publication of AU2004229968A1 publication Critical patent/AU2004229968A1/en
Assigned to THE WESTERN UNION COMPANY reassignment THE WESTERN UNION COMPANY Request for Assignment Assignors: FIRST DATA CORPORATION
Application granted granted Critical
Publication of AU2004229968B2 publication Critical patent/AU2004229968B2/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Meter Arrangements (AREA)
  • Cash Registers Or Receiving Machines (AREA)
AU2004229968A 2003-04-08 2004-03-29 Money transfer convenience card, systems and methods Ceased AU2004229968B2 (en)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US46186903P 2003-04-08 2003-04-08
US60/461,869 2003-04-08
US10/687,575 US20040205023A1 (en) 2003-04-08 2003-10-15 Money transfer convenience card, systems and methods
US10/687,575 2003-10-15
PCT/US2004/009691 WO2004092923A2 (en) 2003-04-08 2004-03-29 Money transfer convenience card, systems and methods

Publications (2)

Publication Number Publication Date
AU2004229968A1 AU2004229968A1 (en) 2004-10-28
AU2004229968B2 true AU2004229968B2 (en) 2008-07-03

Family

ID=33135218

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2004229968A Ceased AU2004229968B2 (en) 2003-04-08 2004-03-29 Money transfer convenience card, systems and methods

Country Status (6)

Country Link
US (1) US20040205023A1 (es)
EP (1) EP1618530A4 (es)
AU (1) AU2004229968B2 (es)
CA (1) CA2520690A1 (es)
MX (1) MXPA05010853A (es)
WO (1) WO2004092923A2 (es)

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Also Published As

Publication number Publication date
WO2004092923A2 (en) 2004-10-28
EP1618530A2 (en) 2006-01-25
CA2520690A1 (en) 2004-10-28
AU2004229968A1 (en) 2004-10-28
US20040205023A1 (en) 2004-10-14
MXPA05010853A (es) 2005-12-14
EP1618530A4 (en) 2008-09-03
WO2004092923A3 (en) 2005-01-27

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Date Code Title Description
PC1 Assignment before grant (sect. 113)

Owner name: THE WESTERN UNION COMPANY

Free format text: FORMER APPLICANT(S): FIRST DATA CORPORATION

FGA Letters patent sealed or granted (standard patent)
MK14 Patent ceased section 143(a) (annual fees not paid) or expired